As to energy efficiency in addition to Carl's reference to windows other factors that may apply include the HVAC unit and how the house is positioned My home in Minneapolis area faced east and since our kitchen was on the west side we got a of of sun at supper time and was unbearable
Our stucco home here faces south. The thermostat stays a constant whether we are running the air or heat. While there was still no need to my wife and I decided to repaint the house using a rubberized paint that is suppose to provide a lifetime warranty but with a laugh my painter said if we got 15 years out of it consider that good. there were not any cracks and both the painter and I looked for cracks including micro cracks. Perhaps they will eventually show themselves?
One poster wrote in another thread that snakes were getting in between the vinyl siding and the exterior walls on his house.... that would be enough for me to go to stucco